Karina Benetti
Technical University of Liberec, Faculty of Economics, Department of Economic Statistics, Studentska 1402/2, 461 17 Liberec, Czech Republic
DOI: https://doi.org/10.31410/itema.2018.632

2nd International Scientific Conference on Recent Advances in Information Technology, Tourism, Economics, Management and Agriculture – ITEMA 2018 – Graz, Austria, November 8, 2018, CONFERENCE PROCEEDINGS published by the Association of Economists and Managers of the Balkans, Belgrade, Serbia; ISBN 978-86-80194-13-4

Abstract

In the insurance market have been seen over the last two decades the significant changes in view of (un)insurability of risks, not only in the context of the impact of the recent global economic crisis. To these changes in the insurability of risks can be viewed from two main perspectives. The first is that these changes in the insurability of risks were mainly due to the implementation of the risk of catastrophic dimensions, which were mainly floods. Part of the implementation of flood risk and flood gave rise to a new perspective on one of the sixth criteria of insurability of risks – the randomness. The impacts of these changes in the insurability of risks have economically affect not only to the individual (household), but also to the whole economy. With the last year’s floods even increased uninsurable areas in the Czech Republic, hence it’s household from 8 % to over 11 %. The second look is at the changes in the insurability of risks – especially the criterion of randomness – is very broad. In the context of the impact of the recent financial crisis on the world arose in the scientific community economic questions about the role played by scientific and economic theory (including general philosophical and methodological), the current problem of global conditions. In the research, scientific methods were particular used: analysis and synthesis, method of deduction, induction, review of professional literature and legislative documents, comparative analysis and synthesis of partial knowledge, elementary statistical analysis.

Key words

(un)insurability, risks, natural disasters, unknown unknowns.


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